3. Execution of payment transactions, including transfers of funds on a payment account with the user's payment service provider or with another payment service provider

4. Execution of payment transactions where the funds are covered by a credit line for a payment service user

5. Issuing and/or acquiring of payment instruments

7. Execution of payment transactions where the consent of the payer to execute a payment transaction is given by means of any telecommunication, digital or IT device and the payment is made to the telecommunication, IT system or network operator